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Message
Mortgage Rate(Good Deal?)
Posted on 2/3/16 at 4:40 pm
Posted on 2/3/16 at 4:40 pm
Buying my first home. Doing a conventional loan. Just locked in a rate at 3.875. Wife and I both have high 700 credit scores. Could we have negotiated lower? If so, how much possibly?
5
Posted on 2/3/16 at 4:42 pm to Cisco Kidd
For 30 year? I'd say you did pretty well. You may have done better but not much and it wouldn't have mattered much on you bottom line.
Posted on 2/3/16 at 4:44 pm to stevengtiger
Yea, 30 year. first house. So we locked it in. Just Nervous
Posted on 2/3/16 at 6:07 pm to Cisco Kidd
The rate is good depending on the fees. What lender was it?
Posted on 2/3/16 at 6:10 pm to Cisco Kidd
You should get a quote for 3+ different lenders. Whomever you want to do business with, show them the lowest quote and have them match
Posted on 2/3/16 at 6:34 pm to Cisco Kidd
I just shopped with a some of my credit unions. I locked in at 3.775, the other two were 3.875. I wouldn't sweat your decision, provided your not being hosed on the costs.
Posted on 2/3/16 at 8:14 pm to Cisco Kidd
APR is better indicator to compare mortgage offers. APR includes the rate, points, closing costs, pmi, etc.
Posted on 2/3/16 at 9:50 pm to Cisco Kidd
I remember when 9% was a steal.
3.8 = free money.
3.8 = free money.
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